| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSENSURE INC3 | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | DELTA DENTAL INSURANCE COMPANY | $42K | — | $42K | 8.37% |
| PROVINSURE INC3 | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | DELTA DENTAL INSURANCE COMPANY | $8K | — | $8K | 1.63% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INS SVCS INC | 10524 MOSS PARK RD #204-306 ORLANDO, FL 32832 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35K | — | $35K | 9.15% |
| PROVINSURE INC3 | 4000 DESTINATION PKWY ORLANDO, FL 32819 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35K | — | $35K | 9.15% |
| ROSENSURE INC3 | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | DELTA DENTAL INSURANCE COMPANY | $23K | — | $23K | 8.37% |
| PROVINSURE INC3 | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | DELTA DENTAL INSURANCE COMPANY | $4K | — | $4K | 1.63% |
| PROVINSURE INC3 | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $40K | — | $40K | 15.00% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS LLC | 10524 MOSS PARK RD 204-306 ORLANDO, FL 32832 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $8K | $35K | 12.85% |
| ROSENSURE INC3 | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | — | $24K | 9.05% |
| PROVINSURE INC3 | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36K | — | $36K | 15.00% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS LLC | 10524 MOSS PARK RD 204-306 ORLANDO, FL 32832 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $8K | $32K | 13.21% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS LLC | 10524 MOSS PARK RD #204-306 ORLANDO, FL 32832 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $8K | $19K | 16.83% |
| PROVINSURE INC3 | 4000 DESTINATION PKWY ORLANDO, FL 32819 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 15.00% |
| PROVINSURE INC3 | 4000 DESTINATION PKWY ORLANDO, FL 32819 | LINCOLN LIFE INSURANCE COMPANY | $12K | — | $12K | 13.00% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP HAYESVILLE, NC 28904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $701K | — | $701K | 2197.11% |
| PROVINSURE INC3 | 4000 DESTINATION PKWY ORLANDO, FL 32819 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $574 | — | $574 | 1.80% |
| KAREN PICCININI3 | 6609 THE LANDINGS DR BELLE ISLE, FL 32812 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $499 | — | $499 | 1.56% |
| JOHN PICCININI3 | 425 W COLONIAL DR ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $133 | — | $133 | 0.42% |
| FRANK M GAMMON3 | 10604 CRESCENT LAKE CT CLERMONT, FL 34711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.10% |
| CARUSO INSURANCE BENEFITS INC3 Filed as: CARUSO INSURNACE BENEFITS INC | 10872 WILDERNESS CT ORLANDO, FL 32821 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| JOHN E CUMMINGS3 Filed as: JOHN JOHNSON | 1618 FOX GLEN CT WINTER SPRINGS, FL 32708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BEECHER CARLSON INSURANCE SERVICES | SIX CONCOURSE PARKWAY SUITE 2300 ATLANTA, GA 30328 | SWISS RE CORPORATE SOLUTIONS INSURANCE CORPORATION | $27K | — | $27K | — |
| PROVINSURE INC3 | 9700 INTERNATIONAL DRIVE ORLANDO, FL 32819 | SWISS RE CORPORATE SOLUTIONS INSURANCE CORPORATION | $14K | — | $14K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WEBTPA EMPLOYER SERVICES INC EIN 75-2611444 CONTRACT ADMIN | Contract Administrator Service code 13 | 8500 FREEPORT PKWY STE 400 IRVING, TX 75063 | $902K |
| EVOLUTIONS HEALTHCARE SYSTEMS EIN 59-3139483 SERVICE PROVIDER | Other services Service code 49 | 8406 MASSACHUSETTS AVE A1 NEW PORT RICHEY, FL 34653 | $157K |
| APEX HEALTH LLC EIN 88-1031709 SERVICE PROVIDER | Other services Service code 49 | 121 KERCHEVAL AVE. GROSSE POINTE, MI 48236 | $102K |
| CRUCIALIST LLC EIN 30-1212865 SERVICE PROVIDER | Other services Service code 49 | 4230 PABLO PROFESSIONAL CT STE 103 JACKSONVILLE, FL 32224 | $52K |
| FIRST HEALTH EIN 20-1736437 SERVICE PROVIDER | Other services Service code 49 | 10260 MEANLEY DRIVE SAN DIEGO, CA 92131 | $369 |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 2,229 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED BEHAVIORAL HEALTH DBA OPTUM | 3,949 | $113K |
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 1,848 | $767K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,775 | $260K |
| Life insurance(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,034 | $360K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,354 | $377K |
| Long-term disability(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,354 | $760K |
| Stop-loss / reinsurancereinsurance | SWISS RE CORPORATE SOLUTIONS INSURANCE CORPORATION | 2,229 | $0 |
| Other | LINCOLN LIFE INSURANCE COMPANY | 3,034 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,949 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.